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Lusine is from Gogaran village of the Lori region. She lives with her mother-in-law and brother-in-law and five school-aged children (four sons and a daughter).

Lusine's husband is a migrant worker and continually supports his family financially. Lusine herself has been involved in agriculture, running a farm for fifteen years. Her mother-in-law helps her with farming activities and they both work hard to sustain an appropriate life for the children.

Lusine applied for this loan to be able to purchase fertilizer for cultivation of the land and also pay for the harvest gathering process. It is very important for Lusine to gather harvest and sell it, so the loan will be a huge support for her family. She dreams of expanding her farm and running it in a sustainable way, so her husband will be able to come back to his family.

Additional Information

About SEF International

SEF’s mission is to extend business development and financial services to emerging entrepreneurs in search of productive opportunities to support their families and communities and to build bright futures for children in Armenia.


About Armenia

  • $6,300
    Average annual income
  • 99
    View loans »
    Armenia Loans Fundraising
  • $16,723,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Lusine to pay for the harvest gathering process and fertilizer for land cultivation.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Jan 23, 2014
Feb 17, 2014
Currency Exchange Loss:
Mar 20, 2016